Insufficient Funds – Available balance is not sufficient to cover the dollar amount of the debit entry.

R02

Account Closed – A previously open account is now closed.

R03

No Account / Unable to Locate – The account number does not correspond to the individual identified in the entry or a valid account.

R04

Invalid Account Number – The account number fails the check digit validation or may contain an incorrect number of digits.

R05

Unauthorized Debit to Consumer Account Using Corporate SEC Code – A business (corporate) debit entry was transmitted to a member’s consumer account, and the member had not authorized the entry.

R06

Returned per ODFI’s Request – The ODFI has requested that the RDFI return the entry.

R07

Authorization Revoked – Member who previously authorized an entry has revoked authorization with the originator.

R08

Payment Stopped – Member had previously requested a stop payment of a single or recurring entry.

R09

Uncollected Funds – Available balance is sufficient, but collected balance is not sufficient to cover the entry.

R10

Member advises not authorized, notice not provided, improper source document, or amount of entry not accurately obtained from source document.

R11

To be used when returning a check truncation entry.

R12

RDFI unable to post entry destined for a bank account maintained at a branch sold to another financial institution.

R13

Financial institution does not receive commercial ACH entries.

R14

The representative payee authorized to accept entries on behalf of a beneficiary is either deceased or unable to continue in that capacity.

R15

Beneficiary or account holder deceased.

R16

Account Frozen – Access to the account is restricted due to a specific action taken by the RDFI or by legal action.

R17

Fields rejected by RDFI processing (identified in return addenda).

R18

Entries have been presented prior to the first available processing window for the effective date.

R19

Improper formatting of the amount field.

R20

Entry destined for non-payment bank account defined by reg.

R21

The company ID information not valid.

R22

Individual ID used by receiver is incorrect.

R23

Receiver returned entry because minimum or exact amount not remitted, the bank account is subject to litigation, or payment represents an overpayment, the originator is not known to receiver or receiver has not authorized this credit entry to this bank account.

R24

RDFI has received a duplicate entry.

R25

Improper formatting of the addenda record information.

R26

Improper information in one of the mandatory fields.

R27

Original entry trace number is not valid for return entry, or addenda trace numbers do not correspond with entry detail record.

R28

Check digit for the transit routing number is incorrect.

R29

RDFI has bee notified by corporate receiver that debit entry of originator is not authorized.

RDFI has been notified by the ODFI that it agrees to accept a CCD or CTX return entry.

R32

RDFI is not able to settle the entry.

R33

RDFI determines at its sole discretion to return an XCK entry; an XCK return entry may be initiated by midnight of the 60th day following the settlement date if the XCK entry.

R34

RDFI participation has been limited by a federal or state supervisor.

R35

ACH debit not permitted for use with the CIE standard entry class code (except for reversals).

R39

Improper Source Document / Source Document Presented for Payment RDFI determines that the source document (share draft or check) used for an ARC, BOC or POP entry is not eligible for conversion. Or the share draft has already been paid as a normal check posting.

R39

Improper Source Document / Source Document Presented for Payment RDFI determines that the source document (share draft or check) used for an ARC, BOC or POP entry is not eligible for conversion. Or the share draft has already been paid as a normal check posting.

Untimely Dishonored Return – ODFI did not submit the Dishonored Return entry within the five-day deadline.

R73

Timely Original Return – RDFI certifies that the original return entry was submitted by the applicable deadline.

R74

RDFI is correcting a previous return entry that was dishonored using return code R69 because it contained incomplete or incorrect information.

R75

Original Return Not a Duplicate – The original return entry was not a duplicate of an entry previously returned by the ODFI. This code may be used by the RDFI to contest an entry dishonored by the ODFI using return code R67 (duplicate return).

R76

No Errors Found – The original return entry did not contain the errors indicated by the ODFI in the dishonored return entry bearing return code R69 (field errors).